The 504 loan program provides long term financing for real estate acquisitions, site development, and major equipment purchases through partnerships with certified development companies and private lenders. The arrangement typically involves a first mortgage from a traditional lender and a second government backed loan from a certified development company, offering favorable terms and reduced down payments. As a commercial capital broker network bridging between clients and lenders, we identify suitable 504 programs, coordinate documentation, and align the financing structure with the project plan. The emphasis is on speed to close, cost optimization, and risk management.
The process includes coordinating the two loan components, arranging appropriate collateral coverage, and tracking milestones to keep the project on schedule. The result is funding that supports disciplined execution, minimizes carry costs, and yields a favorable return on investment.
Long Term Financing
Fixed or flexible rate options with extended amortization to fit cash flow.
Dual Structure
First mortgage and second loan from a certified development company.
Large Project Cap
Access to substantial loan sizes for sizable real estate deals.
Asset Focus
Financing for real estate acquisitions, site development, and improvements.
504 financing provides long term, predictable terms with strong asset backing to support growth and value creation.
Research beyond the business plan
Real Estate Acquisition
Acquire property with a two part financing structure designed for long term stability. The first mortgage from a traditional lender covers up to fifty percent of project costs, and the second loan from a certified development company covers up to forty percent. This arrangement provides a lower down payment, fixed rates, and favorable terms that align with occupancy and cash flow targets.
Refinance and Cash Out
Refinance existing debt to reduce payments and unlock cash for improvements or expansion. The SBA 504 structure combines a first mortgage with a CDC second loan, delivering fixed rates and predictable payments while preserving equity and liquidity.
Portfolio Real Estate
Finance a portfolio of properties under a single 504 loan structure to simplify administration. This approach allows bundling assets, reduces transaction costs, and secures favorable terms across a diversified property base.
SBA 504 Market
Accessing 504 financing requires alignment with program guidelines and overlays. The service provides:
- Mapping requests to 504 loan structures including first mortgage and second loan from a certified development company
- Navigating guidelines and overlays
- Preparing compliant, lender ready packages
- Advocating with lenders to close funding
The team aligns 504 financing needs with the right lenders and programs to achieve strong approvals and favorable terms.